Enroll in our Keep the Change savings program and we'll round up the difference when you make everyday purchases with your Bank of America debit card and transfer the difference from your checking account to your savings accountFootnote 1

Use it for Overdraft ProtectionFootnote 2 in case your checking funds run too low

* Important Notice: Federal regulations and the Deposit Agreement and Disclosures limit the number of the following types of withdrawals and transfers from a savings account to a total of 6 each monthly statement cycle (each month for savings accounts with a quarterly statement cycle): automatic or pre-authorized transfers, telephone transfers, Online Banking transfers or payments, or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you exceed these limits on more than an occasional basis, we convert your account to another type of account and your account may no longer earn interest.

1.

Upon enrollment, we will round up your MasterCard or Visa debit card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America® savings account. We may cancel or modify the Keep the Change service at any time without prior notice. Keep the Change is not available for Small Business debit cards.

2.

Overdraft Protection Transfer fees may apply. Please refer to your Personal Schedule of Fees for details. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

* Important Notice: Federal regulations and the Deposit Agreement and Disclosures limit the number of the following types of withdrawals and transfers from a savings account to a total of 6 each monthly statement cycle (each month for savings accounts with a quarterly statement cycle): automatic or pre-authorized transfers, telephone transfers, Online Banking transfers or payments, or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you exceed these limits on more than an occasional basis, we convert your account to another type of account and your account may no longer earn interest.

Overdraft Protection Transfer fees may apply. Please refer to your Personal Schedule of Fees for details. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

$5 monthly feeNo monthly fee if you meet one of the following requirements during each statement cycle:Make combined monthly automatic transfers of $25 or more from a Bank of America checking account to your savings account.OrMaintain a $300 minimum daily balanceOr Link to your Bank of America Interest Checking® Account (waiver applies to first 4 savings accounts of all types)Or Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (waiver applies to first 4 savings accounts of all types)

$12 monthly feeNo monthly fee if you meet one of the following requirements during each statement cycle: Maintain a $2,500 minimum daily balanceOrLink to your Bank of America Interest Checking® Account (waiver applies to first 4 savings accounts of all types)OrEnroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (waiver applies to first 4 savings accounts of all types)

*Important Notice: Federal regulations and the Deposit Agreement and Disclosures limit the number of the following types of withdrawals and transfers from a savings account to a total of 6 each monthly statement cycle (each month for savings accounts with a quarterly statement cycle): automatic or pre-authorized transfers, telephone transfers, Online Banking transfers or payments, or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you exceed these limits on more than an occasional basis, we convert your account to another type of account and your account may no longer earn interest.

1.

Annual Percentage Yield (APY) is accurate as of 03/03/2015. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

2.

Annual Percentage Yield (APY) differs depending on balance in account and is accurate as of 03/03/2015. These rates may change at any time without prior notice. Fees could reduce earnings on the account. For more information view our Rewards Money Market Savings Rates.

3.

With Regular Savings, each monthly statement cycle, you can make a total of three withdrawals and transfers with no excess withdrawal fee.

4.

Upon enrollment, we will round up your MasterCard or Visa debit card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America® savings accout. We may cancel or modify the Keep the Change service at any time without prior notice. Keep the Change is not available for Small Business debit cards.

What you'll need to apply:

Social Security number and date of birth of all account holders (up to one co-applicant)

Phone number and email address

Physical U.S. address (no post office boxes)

Debit card or account information for funding your new account

Apply at a banking center if:

You have limited credit history, making identity verification difficult

You have had issues with your checking history

You are depositing more than $100,000 today

Sign in and prefill your application

Bank of America® customers like you can save time by signing in and prefilling information such as name, address and phone numbers.

Making profile changes?

If you change your prefilled information, changes will only be reflected in the application. Information will not be updated in your Online Banking profile. To update your Online Banking profile, sign in to Online Banking and select Profile & Settings.

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Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.